Unfairly handed over without any recourse

I took up a R8000 loan which was disbursed 2019/05/18. My first D/O was collected 2019/06/20 which I paid until 2019/11/20. I defaulted 2019/12, paid one month's instalment 2020/01/20. I then defaulted 2020/02 (at this point I was one month in arrears for the default payment of 2019/12) and when I received a call at the time I explained to the agent that I had gone through financial difficulty with my late father's illness as I was flying in and out my home town - he passed on in August 2019. I received notification via ITC that this account was handed over 2019/04 (at that stage the account ought to be 3 month's in arrears and could have been collected on). I continued paying via D/O as per arrangement R300 until now where I pay R800 via D/O.

This account is flagged 814 - collections tracing which I do not understand because I've been within reach and I would gladly talk to anyone who calls. Seeing that this account is "handed over" I expected 3rd parties to collect on it (Attorneys) and not African Bank itself.

So are you telling me that after 3 months of defaulting without going through the pre-legal collections process you noted an adverse listing on my ITC over and above the fact that I made payment arrangements and this during hard lockdown when every consumer went through a difficult time.

Why is my account handed over and adverse listing noted when you are collecting? It's either you clear my listing with ITC and I continue paying until settlement.

I am eagerly waiting for feedback from you and I will take this matter to the Banking Ombudsman and lodge a formal complaint with the National Credit Regulator.

No wonder good employees have left your business because your processes are wack.